The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$11,910
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,281
−HK$376/mo
Today · 4.125%
HK$12,657
baseline
▲ 0.50% · 4.625%
HK$13,427
+HK$770/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$25,314/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,250
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,606
−HK$360/mo
Today · 4.125%
HK$13,966
baseline
▲ 0.50% · 4.625%
HK$14,702
+HK$736/mo
Deposit HK$2.61M · loan HK$2.61M · min. income ≈ HK$27,932/mo (50% DSR)
Upfront cash ≈ HK$2.73M (deposit + AVD stamp duty HK$117,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,292
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,737
−HK$452/mo
Today · 4.125%
HK$15,189
baseline
▲ 0.50% · 4.625%
HK$16,113
+HK$924/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$30,378/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,900
−HK$859/mo
▼ 0.25% · 3.875%
HK$16,327
−HK$432/mo
Today · 4.125%
HK$16,759
baseline
▲ 0.50% · 4.625%
HK$17,643
+HK$884/mo
Deposit HK$2.09M · loan HK$3.13M · min. income ≈ HK$33,518/mo (50% DSR)
Upfront cash ≈ HK$2.21M (deposit + AVD stamp duty HK$117,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,675
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,193
−HK$527/mo
Today · 4.125%
HK$17,720
baseline
▲ 0.50% · 4.625%
HK$18,798
+HK$1,078/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$35,440/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,550
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,048
−HK$504/mo
Today · 4.125%
HK$19,552
baseline
▲ 0.50% · 4.625%
HK$20,583
+HK$1,031/mo
Deposit HK$1.57M · loan HK$3.66M · min. income ≈ HK$39,104/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$117,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,439
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$22,106
−HK$677/mo
Today · 4.125%
HK$22,783
baseline
▲ 0.50% · 4.625%
HK$24,169
+HK$1,386/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$45,566/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,850
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$24,490
−HK$649/mo
Today · 4.125%
HK$25,139
baseline
▲ 0.50% · 4.625%
HK$26,464
+HK$1,325/mo
Deposit HK$522K · loan HK$4.70M · min. income ≈ HK$50,278/mo (50% DSR)
Upfront cash ≈ HK$640K (deposit + AVD stamp duty HK$117,524 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).